Offering a complete suite of
banking and lending solutions

How you borrow and manage cash can be as important to the success of your wealth plan as having the appropriate investment strategy. That’s why we offer you a complete suite of cash management, banking and lending tools that give you the power to take advantage of your unique opportunities.

You can enjoy all the features and convenience of a bank with the personal service of someone you trust and who truly understands you and your financial objectives.

Convenient Cash Management

As your wealth grows, so does the time and responsibility required to manage it. We can provide the convenience of easy access to monitor all of your finances in one central, secure location. Our integrated cash management solution, Capital Access, is designed to help you simply and flexibly manage your immediate and long-term cash needs with a host of features and benefits, including the convenience of a Visa Platinum debit card, unlimited check writing and direct deposits, among others.

With access to your account through an online portal or mobile application, you’ll be able to easily monitor your financial information from any device 24 hours a day, seven days a week. With automatic ATM fee reimbursements, you can enjoy the access and freedom to use any bank’s ATM, saving you time – and money.1

We also offer concierge services that are available to assist you with setting up online bill pay so you can enjoy the convenience, safety and reliability of one time or recurring payments.

1 Capital Access account holders eligible for reimbursement up to $100 per year ATM surcharge-fees.

Smart Borrowing Options

How you borrow and manage cash can be as important to the success of your wealth plan as having the appropriate investment strategy. That’s why we offer clients a comprehensive suite of cash management and lending solutions to integrate their day-to-day needs with their long-term ambitions.

We'll be by your side, working with your lending solutions consultant to identify borrowing options that will satisfy your lending needs and also complement your overall investment strategy.

Increase Your Buying Power

We understand opportunities knock when least expected. Depending on your situation, a Securities Based Line of Credit can be an ideal and flexible capital source that is easy to establish and maintain. A Margin loan offers another resourceful financing solution that is easy to set up, allowing you to determine your repayment schedule and the amounts all while leveraging your existing securities.

We can avoid disrupting your long-term plan by working with a lending solutions consultant to identify opportunities to borrow against existing assets in Raymond James pledged accounts.1,2

1Margin or a Securities Based Line of Credit may not be suitable for all clients. The proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. An investor can lose more funds than he or she deposited in the account. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the margin call, and the firm can sell the client’s securities without contacting them. An investor is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a margin call. The firm can increase its maintenance margin requirements at any time and it not required to provide an investor advance written notice. An investor is not entitled to an extension of time on a margin call. The interest rates charged for a Securities Based Line of Credit are determined by the market value of pledged assets and the net value of the client’s Capital Access account. The interest rates charged for Margin are determined by the amount borrowed. For additional information on margin, visit http://sec.gov/investor/pubs/margin.htm.

2Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.

Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.

Choose the Right Lending Program

The decision is as integral a part of the financial planning equation as investing. Raymond James Bank offers several types of loans, each designed to work holistically with your financial plan. They can be used for a variety of objectives, such as growing your business, purchasing a luxury item or taking advantage of other investment opportunities.

Lending services:

Securities lending*

Other lending options

Other banking services include:

Cash “sweep” to brokerage account

Rewards program

Online account access

Check writing

Overdraft protection

Automatic payment/fund transfer

Visa® debit card

* A Securities Based Line of Credit (SBLC) may not be suitable for all clients. The proceeds from a SBLC cannot be used to purchase or carry margin securities. Raymond James Bank does not accept RJF stock as pledged securities towards a SBLC. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. The securities in the Pledged Account(s) may be sold to meet the Collateral Call, and the firm can sell the client’s securities without contacting them. A client is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Collateral Call. The firm can increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client is not entitled to an extension of time on a Collateral Call. Increased interest rates could also affect LIBOR rates that apply to your SBLC causing the cost of the credit line to increase significantly. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s Capital Access account. Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.

Opportunity knocks when you least expect it. We can help you find the right cash management, banking or lending option to achieve your financial objectives.

Related Resources

All funds held at participating banks in the Bank Deposit Program are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Available cash in your Raymond James account is deposited into interest-bearing accounts at up to 12 banks. Raymond James will deposit up to $245,000 ($490,000 for joint accounts of two or more) in each bank on a predetermined bank priority List. Additional information can be found at fdic.gov or by calling 877.ASK.FDIC (877.275.3342).

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

Investment advisory services offered through Raymond James Financial Services Advisors, Inc.. Haith Financial Group, Inc. is not a registered broker/dealer and is independent of Raymond James Financial Services.